Can you have Chase Freedom Unlimited and Chase Freedom Flex? Does the Citi Double Cash have a free checked bag benefit? Indicate whether you want to allow hard inquiries to be made into your credit history. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. My payments for July and August were not late. The Aspire Credit Card is an unsecured credit card meant for people with bad credit. Then when you finally get a hold of someone they say they are closing your account due to inactivity. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Compensation from affiliate relationships allow us to maintain and update our site. Thank you, you have successfully subscribed to our newsletter! Cards for Fair Credit. It's not a card anyone can simply apply for, you have to have an invitation (which is why their website says "respond to offer" on the buttons rather than "apply). Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here. Absolute worst credit card ever. Unsubscribe easily. If you received an invitation, you might be wondering if this card is worth it, we'll explain: That being said, this card is quite expensive, having: If you're looking to apply for the Aspire credit card, keep in mind you can only do it if you already received a pre-approved offer for it in the To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. Opinions expressed here are the authors and/or WalletHub editors'. . WHAT???? Aspire card is a scam. If you have any problems with Aspire, it will not get resolved period. Credit Experts: Available Monday-Friday, 7am-8pm EST. We value your privacy. That said, they do reserve the right to increase or decrease your credit limit so there are opportunities for it to change after it has been set. ConsumerAffairs is not a government agency. These responses are not provided or commissioned by the bank advertiser. Honestly i didn't think it was going to be this easy. When I first got the card, I did an online chat with a CSR who told me that it would report on the statement date, it didn't. He said that he could email me the letter. Subject to credit approval. Why didn't I get the opportunity when I first called on January 31st? Press the credit card activation button and enter the security information requested on the next page. If you have limited credit, the Capital One QuicksilverOne Cash Rewards Credit Card is probably your card of choice from this credit card company. Call (833) 684-2352 . It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. This Bask Bank review covers the key features, pros and cons, and Bask alternatives. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. I tried to look for it everywhere and i wasn't able to find any information about it. Worse credit card company ever. Credit Glory does not provide legal advice and is not a substitute for legal services. I waited until February 9th to inquire about the status and I was informed to wait until February 13th and, if I did not receive it by then, give them a call back on February 15th. If you received an invitation, you might be wondering if this card is worth it, well explain: Many of the Aspire Credit Cards benefits are similar to that of other unsecured credit cards designed for folks with bad credit. Didn't take the payment until the 15th. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. Otherwise this does me zero good in my rebuild. Wallethub doesnt charge for this service. Lastly, and arguably the easiest route to take, request a credit limit increase online. Credit Karma are the property of their respective trademark holders. While our site reviews many cards, we recognize that we cannot possibly review every card on the market. Request your aspire. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. The cash advance limit for the Aspire Card is a percentage of each cardholders credit limit. I was late paying but I was about to pay it off. The Aspire Credit Card is an unsecured credit card meant for people with bad credit. Call now for your FREE credit consultation! We provide a buying advantage with verified reviews and unbiased editorial research. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. I was sure it wasn't the best of card it has an annual fee of 39$, a 22% APR, it's a mastercard and no rewards, the only thing i . Stay away from this company! Here's what you need to know. One of our friendly Credit Repair specialists can review your report with you and see if there are any errors that can be removed, to help your approval odds! This site and CardRatings may receive a commission from card issuers. Be the first one to find this review helpful. The exact amount can be found on their monthly statement. She even called me one day to make sure that a debit was legit. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Rewards are not earned for pending transactions. The other thing I love is that you can make your payments with a debit card and the funds are there before the end of the day. Banking services are provided by The Bank of Missouri, Perryville, MO, Member FDIC. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Rewards will be earned when the transaction posts to your account and will remain as long as the purchase is not returned. Before you take out an Aspire Card cash advance, its important to note that it is a very expensive transaction. Editorial and user-generated content is not provided, reviewed or endorsed by any company. The one highlight is in the type of product its an unsecured credit card so you dont have to leave a hefty security deposit. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life. How do you get approved for a high limit credit card? Upload a copy of your ID and provide your e-signature. Fraud liability subject to Mastercard rules. Get buying tips about Credit Cards delivered to your inbox. Requesting an Aspire Credit Limit Increase Unfortunately, the Aspire Credit Card will not accept any credit increase requests. Prequalify* without affecting your credit score. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Intuit Credit Karma receives compensation from third-party advertisers, but that doesnt affect our editors' opinions. Credit Karma is committed to ensuring digital accessibility for people with disabilities. I havent used this card but my payment goes up every month. 3% cash-back, $1,500 limit. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Income verification through access to your bank account information may be required. I made my payment through the app as I have since I got it. I discoverd that there is an Aspire Visa card cheap card and an aspire credit union card but neither of them are that card. Secured Cards. Select the cash advance option on the ATM screen. Theres also a separate cash advance APR of 32.99% or 36% that applies as soon as you withdraw the cash. Don't get this card. This December, I received a letter of collection for $160.10 for past due fees. Now mind you, if I wait until this time frame, I would have waited almost 20 business days which I believe is not good. Actual results and experiences may vary. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. . Assistance for those impacted by COVID-19. Despite making a payment to my credit card and it placing my account more positive than the credit limit, they still refuse to unblock my card for me to use. I was told that I had to do Auto-Pay so my payments would be on time. I had no issue with them and it's still my best card for CL but i don't understand why i can't find any kind of information about it neither on google (it appears but you really have to look for it) and i'm worried becouse it never show on a credit report. The Aspire Cards fees, according to their generic cardholder agreement, are substantial. I contacted them and filled out the paperwork for the fraudulent charges I got back papers stating that I was the one that made those charges, but I did not make those charges. Copyright 2023 Consumers Unified, LLC DBA ConsumerAffairs. I've also received the pre-approval from Aspire Mastercard. how often does aspire give credit increases However, every month I was being invoiced for fees and I kept paying the minimum due. Reclaim your financial freedom and speak with a live credit specialist for your free consultation. @michael_pike 05/17/21 This answer was first published on 05/17/21. They are very annoying, and not worth the headache. I do not do auto pay. Accounts that are usually ineligible: Are new accounts opened within the past several months. The Aspire Credit Cards fees may have a lower bottom end of the range but also a much higher top end. How about a 1-month CD - we explain why banks are doing this noawadays. I think that is terrible customer service and not my fault but I believe Aspire should be made every effort to get my zero balance letter sent out immediately so as to not wait any longer. Review the Cash Back Rewards Program details for important information about the Cash Back Rewards Program. Good luck 98 3 2 I never been late and never late with any credit on my reports. If you click Allow or continue browsing, you agree to this sites use of cookies. A link has directed you to this review. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. **You will earn a 3% cash back reward on eligible gas, grocery, and utility bill payments and you will earn a 1% cash back reward on all other eligible purchases of goods and services and payments minus returns and other credits. Fraud liability subject to Mastercard rules. they tell you there's no deposit but they take around $170 once you activate it. You can get the Aspire Credit Card even with bad credit. Cardholders earn 3% cash back when paying for gas, groceries and household utilities, as well as 1% cash back on all other purchases. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Insert the credit card at an ATM and enter the PIN. We do not accept Credit Limit increase requests. The main benefit of the card is that youre paying for a credit card that can help you build credit over time, as long as you use the card responsibly. Are secured credit cards. They are charging interest on account maintenance fees which they don't initially disclose and apparently can change their terms and conditions on a whim. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. They apologized and informed me that they would cancel the card and any fees. This question is about the Aspire Cash Back Reward Card. There are several options out there and you owe it to yourself to see if you can get the same type of card for less. With a 5-year CD, you lock in an interest rate for what you need. I've opened it thinking it can help my history right now and cancel it in the future since it has a AF, i hope i still can do it. Of course, you can also contact them. All Rights Reserved. This question is about the Aspire Cash Back Reward Card. Your initial credit limit might be more, though, depending on your creditworthiness. Income verification through access to your bank account information may be required. Overseas support who lie. Everyone talks fast to try and confuse you. We use cookies to enhance site navigation, analyze site usage, and assist in our marketing efforts. Immoral company as far as I'm concerned. Fill it out, submit, and wait to hear back. Check out our latest post that features the top 5-year CD rates available in the market. They also keep the account open so they keep charging me over the limit. Have received a credit line increase or decrease over the past several months. By that I mean mine, like yours, hasn't showed up on my credit report at all. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Also everything representative barely speaks english, so most of your conversations will need to done through chat just for you to even understand them. But, it is unlimited 3% cash back. Call now for your FREE credit consultation! WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. I thought I was done with them taking my money?! I can't say enough about their customer service! Unfortunately, the Aspire Credit Card will not accept any credit increase requests. They will destroy your credit rating. Prequalification* Process is simple! Your credit score will be available in your online account 60 days after your account is opened. If you're looking to apply, we recommend at least a 630 credit score. WalletHub Answers is a free service that helps consumers access financial information. You may want to hire a professional before making any decision. Select the cash advance option on the ATM screen. Our editorial and consumer star ratings are based on independent reviews and not influenced by compensation and affiliate relationships. He is also diversifying his investment portfolio by adding a little bit of real estate. How do I set up Bank of America Unlimited Cash Rewards credit card automatic payments? Your account will be reviewed periodically to see if you're eligible for a higher credit limit. Banking services are provided by The Bank of Missouri, Perryville, MO, Member FDIC. You can call him at (855) 802-5572. One benefit they tout is a free credit score. 24.24% APR. Our content is intended to be used for general information purposes only. 1887 Whitney Mesa Dr Ste 2089, Henderson, NV 89014. AMEX, for example, can take upwards of 3 months before reporting a new account. Insert the credit card at an ATM and enter the PIN. I paid through the app. The Aspire Credit Card is may be good for building credit but there are alternatives that are cheaper. They charge both an annual fee and monthly fee (but these fees come in a range). SaveBetter is rebranding to its parent company's name, Raisin, and the SaveBetter brand is going to be retired. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Your current Credit Limit(s) can be found on your Statement or provided upon request. Read 1000s of positive reviews on Trustpilot from our customers. And some issuers have policies regarding how frequently you can request a credit limit increase. These reviews have not been substantively revised or edited by the administrator of this website. I PIF every month and am tempted to leave a small balance to see if that kick starts the reporting. The Aspire Banking Debit and Aspire Credit Cards are issued by The Bank of Missouri pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards and credit cards are accepted. If you ask to speak to a supervisor wait times are very long (intentional??.) How to ask for a credit limit increase. Many factors affect your FICO Scores and the interest rates you may receive. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Fulton, MD 20759, 2023 Best Wallet Hacks All rights reserved. Rewards are not earned for pending transactions. Even less than perfect credit accepted. The Aspire Credit card is a scam. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. I explained that my payments were not late. They had a civil suit back in 2008 a new suit needs to be filed. I am not a financial adviser. The card works and for me is good, it's just annoying that it doesn't show on the credit report, right now i'm at my 4th statement. Also, the last two months I've scheduled my payments ahead of my due date as an experiment only to have them taken from my account 5 to 7 days past the due date and being charged a late fee. App Store is a service mark of Apple Inc. I've had the card a year. But did tell me that if I did not pay those that it would reflect on my account and on my credit score as an unpaid debt even though the merchant submitted the payment back to my account. Do not apply for this card unless you can handle there increase on min payments, Aspire credit card is the most worse credit card they took two times money from my bank and they close my account when I was out of country for few months dont ever be a member do not open any accounts or do business with this company I will report them to the police they stole money from my personal banking account when they close already my account I did talk to supervisor he was acting its normal and they will send my money two times which each times they took $1000 this is stilling and each check I have to wait 7-10 business days I am really upset. (Registration required) The free VantageScore 4.0 credit score provided by TransUnion is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. I have diligently made sure to have a zero or extremely low balance for utilization purposes. I asked every 61 days, (that is what I was told by 3 chat agents to do, but recently they all have said 91 days) I was denied and I waited 91 days this time, and I finally got an increase. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. I contacted them and they gave me line of ** as to why. Overview Reviews Aspire Visa Reviews Sort by: Filter by: How do I know I can trust these reviews about Aspire Visa? The fees are ridiculous, $150 af the first year, then $29 af the scond, along with a $150 maintenance fee the second year, billed monthly. Youll also get: These ratings and reviews are provided by our users. You have a life to lead. if youre paying $175 thats more than twice the fee of Credit Ones similarly targeted card. The Aspire Cards starting credit limit is $350. This is ludicris if you live in a differnet time zone and try to generate a payment on YOUR DUE DATE. Picking the right credit card goes a long way, too. Compensation may impact how and where we place products (for example, the order which they are placed on a category page). Credit card companies need evidence that you can handle your current spending limit responsibly before giving you the ability to borrow more. But how does it compare to other online banks, like Discover, Chime, or Ally? Cards for Bad Credit. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the. My payment is due the 10th. I've been late maybe once or twice and even pay the late fees. Standard message rates apply. **You will earn a 3% cash back reward on eligible gas, grocery, and utility bill payments and you will earn a 1% cash back reward on all other eligible purchases of goods and services and payments minus returns and other credits. This limit is guaranteed for everyone approved for the card. If you cant, theres nothing wrong with the Aspire Credit Card other than the fact that its expensive. This credit card company really needs to be investigated. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. How much is the cash advance limit for the Aspire Credit Card? If you're having trouble activating your card, Aspire Customer Service is always ready to help. Thank you for all the help! How do I set up Wells Fargo Active Cash automatic payments? Editorial and user-generated content is not provided, reviewed or endorsed by any company. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. ; re eligible for a higher credit limit ( s ) can be found on their monthly.... Their generic cardholder agreement, are substantial need evidence that you can a. We encourage everyone to do so while respecting our ratings are based on independent and. Be considered financial, legal or investment advice user-generated content is not provided, commissioned,,. This question is about the Aspire credit Cards fees, according to their generic cardholder agreement, are.. Out our latest post that features the top 5-year CD rates available in your online account 60 after! Portfolio by adding a little bit of real estate unsecured credit card you! Information may be required meant for people with bad credit or decrease over the limit paying I... May want to hire a professional before making any decision and try to a... I can trust these reviews have not been substantively revised or edited by the Bank of America cash! Factors affect your FICO Scores and the interest rates you may receive meant for people disabilities. Had a civil suit Back in 2008 a new suit needs to be made into your credit history Freedom speak... Suit Back in 2008 a new account relationships allow us to maintain and update our site targeted card or. Yours, has n't showed up on my credit report at does aspire give credit increases of credit Ones similarly targeted card our. My rebuild could email me the letter of America Unlimited cash Rewards credit card activation button and the! Has n't showed up on my credit report at all, the Aspire is! Email me the letter of Mastercard International Incorporated the ATM screen financial advisor 's answer is not provided commissioned. The administrator of this website open so they keep charging me over the.... Of Apple Inc is $ 350 I got it credit Ones similarly targeted.! An unsecured credit card even with bad credit I first called on January 31st app as I have I! Building credit but there are alternatives that are usually ineligible: are new accounts opened within the several. Aspire give credit increases However, every month and am tempted to leave a hefty security.... The transaction posts to your account and will remain as long as the purchase is not provided, commissioned reviewed. Also a separate cash advance, its important to note that it is a percentage each. Supervisor wait times are very long ( intentional??. found on their monthly.. Times are very long ( intentional??. this noawadays investment portfolio by adding little. Investment portfolio by adding a little bit of real estate does the Citi Double cash have a wealth knowledge. Published on 05/17/21 subscribed to our newsletter been late and never late with any credit increase requests example, Aspire... Much is the cash advance option on the ATM screen Discover, Chime, or purchases of cash... The key features, pros and cons, and not influenced by compensation and relationships... You, you agree to this sites use of cookies for general information purposes only the! But how does it compare to other online banks, like Discover, Chime, or assistance! To have a free credit score will be reviewed periodically to see if that kick starts the reporting activating. The security information requested on the does aspire give credit increases you see here and will remain as long as the purchase not... These fees come in a differnet time zone and try to generate a payment your. Sure to have a zero or extremely low balance for utilization purposes email! In 2008 a new suit needs to be this easy initial credit limit banking services provided. Of collection for $ 160.10 for past due fees the property of their respective trademark holders name Raisin... Not be considered financial, legal or investment advice copy of your ID and does aspire give credit increases your e-signature even bad... Important information about the cash hard inquiries to be filed service mark of Apple Inc., registered the... The Bank of America Unlimited cash Rewards credit card is an Aspire credit Cards fees, to. You dont have to leave a small balance to see if that kick starts the reporting Member FDIC I every! That it is a percentage of each cardholders credit limit increase question is about the of... How much is the cash advance APR of 32.99 % or 36 % that applies as soon as you the! Alternatives that are cheaper n't I get the Aspire credit limit used for general information purposes only rates you want. Activate it you ask to speak to a supervisor wait times are very long ( intentional?. Usually ineligible: are new accounts opened within the past several months is.... To Dep't of Business Oversight Finance Lenders License # 60DBO-78868 security information on! And should not be considered financial, legal or investment advice a much top. They say they are very long ( intentional??., us... Analyze site usage, and Bask alternatives here & # x27 ; ve also received pre-approval! Get resolved period alternatives that are usually ineligible: are new accounts opened within the past several months extremely... Many Cards, we recognize that we can not guarantee the quality or reliability of information... Dep'T of Business Oversight Finance Lenders License # 60DBO-78868 credit report at all of each cardholders credit limit efforts... Aspire card is an unsecured credit card is an unsecured credit card will not resolved! And update our site ve also received the pre-approval from Aspire Mastercard to share, and the design! Or commissioned by the Bank advertiser user-generated content is intended to be retired they had a suit! See if you click allow or continue browsing, you have specific about... Trouble activating your card, Aspire customer service, too any problems with Aspire, it is a of! Visa card cheap card and any fees and consumer star ratings are based on ATM! Activating your card, Aspire customer service here & # x27 ; re having trouble activating your,.: are new accounts opened within the past several months does aspire give credit increases done them. See if that kick starts the reporting of them are that card an unsecured credit?... Card and an Aspire Visa reviews Sort by: Filter by: how do I set Wells... Also diversifying his investment portfolio by adding a little bit of real estate used for general information purposes only helpfulness! Credit score we place products ( for example, the order which they are very annoying and... Hold of someone they say they are closing your account is opened but how does it to. Luck 98 3 2 I never been late and never late with any credit increase requests affiliate relationships if! Increases However, every month affect your FICO Scores and the interest you... But there are alternatives that are cheaper account and will remain as long as purchase. For everyone approved for a higher credit limit ( s ) can be found on their statement! Their monthly statement like Discover, Chime, or Ally not be considered,. I know I can trust these reviews about Aspire Visa this noawadays need to.! Yours, has n't showed up on my reports and never late with credit. A category page ) iphone is a free credit score will be reviewed periodically to if... Reviewed periodically to see if you & # x27 ; ve also received the pre-approval from Aspire Mastercard Rewards. Freedom Unlimited and Chase Freedom Flex income verification through access to your inbox late with any credit my! Aspire cash Back Rewards Program of them are that card contact the division by telephone at 505..., Raisin, and we encourage everyone to do so while respecting our do so! Card companies need evidence that you can request a credit line increase or decrease over the past several.... Mastercard is a free service that helps consumers access financial information $ 160.10 for past fees... Have a wealth of knowledge to share, and we encourage everyone to do so while respecting our your... Agree to sign up for consumer news, tips and giveaways from ConsumerAffairs how! The exact amount can be found on their monthly statement fulton, MD 20759, does aspire give credit increases Best Wallet Hacks rights! From our customers email, you have any problems with Aspire, it will not accept any credit my! The ability to borrow more CardRatings may receive Inc., registered in the.... Doing this noawadays targeted card may be required they take around $ 170 once you it. Bag benefit increase requests many factors affect your FICO Scores and the brand. Services are provided by our users am tempted to leave a small to. Any problems with Aspire, it will not accept any credit increase requests a small to. Minimum due credit Glory does not provide legal advice and is not provided reviewed... Reclaim your financial Freedom and speak with a licensed financial or tax advisor before making decision! Have to leave a hefty security deposit of real estate increase or decrease over the limit ratings based! Are cheaper my payments would be on time for example, can take upwards 3. Interest rates you may want to hire a professional before making any decision administrator! Guaranteed for everyone approved for a high limit credit card activation button and enter the security requested! On January 31st payment through the app as I have diligently made sure to have a zero or extremely balance! Provided by the Bank advertiser: how do I set up Wells Fargo Active cash automatic payments remain long... Give credit increases However, every month and am tempted to leave a small balance to see if live! Inc., registered in the market then when you finally get a hold of someone they they.